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  • FIRST POST
    • Blaz
    • By Blaz 3rd Oct 17, 1:00 PM
    • 88Posts
    • 14Thanks
    Blaz
    British Gas late payment on Credit File
    • #1
    • 3rd Oct 17, 1:00 PM
    British Gas late payment on Credit File 3rd Oct 17 at 1:00 PM
    Hi all

    Moved house unexpectedly at the end of July and informed British Gas we'd be switching supplier, they said told me my final bill would be forwarded to my new address. I received a letter picked up the phone and paid the bill on 4th Sept.

    Fast forward to the other day and I saw my credit rating has dropped 114pts - upon further investigation BG have slapped a late payment on there.

    Ive spoken with them over Twitter (messages) explained that this is a mistake i paid as soon as i recieved the letter. They said my file has "paperless billing" on there and an email was sent out on the 1st Aug, then a reminder email on the 16th. I didnt receive either email and ive checked spam. Ive asked for it to be adjusted for goodwill as i was a good customer for 4+ years always paying on time etc.

    they've said "It's not a matter of a 'goodwill adjustment', we're not able to tell the credit reference agency that the payment wasn't late as thatís not true information. I simply don't have the power to change it."

    Is there anything that can be done? I was late paying this by 5 days because of a simple miscommunication. Ive worked hard getting my credit score up and im on the verge of applying for my family's first home.
Page 1
    • Gary_Dexter
    • By Gary_Dexter 3rd Oct 17, 5:20 PM
    • 184 Posts
    • 104 Thanks
    Gary_Dexter
    • #2
    • 3rd Oct 17, 5:20 PM
    • #2
    • 3rd Oct 17, 5:20 PM
    Same situation - BG account all settled after moving around 3 years ago, yet a default applied to my account marked as late payment - I am currently in the process of communicating with them as of today to get this removed.
    • Car1980
    • By Car1980 3rd Oct 17, 8:02 PM
    • 234 Posts
    • 113 Thanks
    Car1980
    • #3
    • 3rd Oct 17, 8:02 PM
    • #3
    • 3rd Oct 17, 8:02 PM
    British Gas? Seriously?
    • Dobbibill
    • By Dobbibill 3rd Oct 17, 8:46 PM
    • 2,545 Posts
    • 3,634 Thanks
    Dobbibill
    • #4
    • 3rd Oct 17, 8:46 PM
    • #4
    • 3rd Oct 17, 8:46 PM
    Your credit reports need to record accurate data - it was late, so this is accurate.

    Don't beat yourself up though - it's 1 late payment marker and as time passes the impact will lessen.
    I'm a Board Guide on the Energy, Student Money Saving, UK Armed Forces and
    Local Money Saving - Wales boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.


    A person who never made a mistake, never tried anything new.
    • Tarambor
    • By Tarambor 3rd Oct 17, 10:18 PM
    • 1,756 Posts
    • 1,203 Thanks
    Tarambor
    • #5
    • 3rd Oct 17, 10:18 PM
    • #5
    • 3rd Oct 17, 10:18 PM
    British Gas? Seriously?
    Originally posted by Car1980
    It has been one of the MSE Cheap Energy Club collective tariffs several times.
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